OPEN ENROLLMENT
2015
WELCOME
to the 2015 Benefits Open
Enrollment at Lafayette College.
This year’s Open Enrollment
begins on October 28 and
continues through November 19,
2014. All of the plans offered during
the Open Enrollment period are
based on a calendar year (January 1
through December 31, 2015).
The following pages of this booklet
summarize the benefit options for
your consideration during this Open
Enrollment period. This information
is to be used as a general guide
and does not reflect a complete
summary of the plans. Detailed
plan summaries can be found in
the Office of Human Resources
and on the Human Resources
web page, hr.lafayette.edu.
Welcome to the annual benefits open enrollment period
for 2015.
As you are aware, the health care marketplace—both here
in the Lehigh Valley and across the country—is continually
changing. That’s why, each year, we are faced with the task
of responding to those conditions in order to create the best
combination of coverage, premiums, and networks that will
give our community the most comprehensive plan at the best
possible price. In order to achieve that end, we completed a
rigorous annual review of our current policies and coverage,
our relationship with our carrier, changes in the federal
guidelines, and the College’s budget.
Our utilization of the plans, along with fees imposed by the
implementation of the Affordable Care Act (ACA), creates
continuing upward pressure on premiums. We are pleased
to report that the Office of Human Resources has been
able to mitigate those pressures for 2015 and negotiate a 4%
increase based on the plan designs offered. (The final renewal
from Highmark was 9.5% based on our current plan designs,
and 4% net of plan design changes.) This 4% increase
to the premiums for the healthcare plans is consistent
with the percentage allocated in the College’s budget
for January 1, 2015.
We were able to achieve this outcome by aggressively
negotiating with local carriers. Based on the outcome of those
negotiations, we have selected Highmark Blue Shield, which
utilizes the Highmark Blue Shield PPO network within
Pennsylvania and offers access to the Bluecard Worldwide
network outside of Pennsylvania, as our carrier for 2015.
For the coming year, we have also developed a wider range of
health plan choices for our community, so that our members
can select a health care plan that best suits their personal
health care needs and the needs of their families. We are
pleased to be able to offer three plan choices; 1) Standard
PPO Plan; 2) Low Deductible PPO Plan; and 3) High
Deductible Plan with HSA.
For 2015, for the Standard PPO Plan option, the College
will continue to pay 90% of the medical premium for an
individual employee; 78% for an employee with child/
children; and 67% of the combined premium for employees
and their spouses/partners. Further details regarding the
three medical plans with Highmark Blue Shield can be
found on the following pages.
If you select the Standard PPO plan for next year, the
College will maintain the percentage contributed to each tier
under the current PPO plans. The applicable deductibles,
coinsurance, and copays are reflected on page 6.
If you elect to enroll in the Low Deductible PPO Plan (lower
copays, deductibles, and coinsurance), the College will
contribute to that plan the same amount it contributes to the
Standard PPO plan, with the employee paying the difference
between that amount and the premium for the Low
Deductible PPO coverage.
If you select the Qualified High Deductible Health Plan
(QHDHP) with the HSA, the College will contribute
toward it an amount equal to the College’s contribution
toward the Standard PPO plan. This will include the
College contributing $1500 in 2015 to an HSA for individual
employees, and $3000 in 2015 for all coverage tiers above
single coverage. (More about how the HSA works to follow.)
The following pages will provide greater details for each of
the three options. We will be holding a series of meetings for
employees during the open enrollment period in addition to
hosting the annual Benefits Fair on October 30.
During the annual Open Enrollment period you may make
changes to your medical, dental, flexible spending and
optional/supplemental life insurance coverage. Because of the
changes to the medical plan options for 2015, all employees
are required to complete and submit an enrollment form.
If you are not electing to receive medical coverage from the
College, you must complete a waiver of coverage form. Your
completed forms must be returned to the Office of Human
Resources by Nov. 19, 2014.
New Me d i c al Pl an Cho i ce s Fo r 2 015:
The College is pleased to be able to offer an expanded lineup
of plan offerings. As mentioned earlier, there will be three
medical plan offerings consisting of a “Standard” plan, a “Low
Deductible” plan and a “Qualified High Deductible” plan. All
three plan designs are based on a PPO model. In a PPO, a
member does not need to select a primary care physician, and
does not need a referral to see a specialist. The following is a
brief summary of the plan options for 2015.
open Enrollment 2015 | 3
• S
tandard PPO Plan: A hybrid-type PPO plan which
merges the attributes of the current PPO 1 and PPO
2 plans. The College’s premium contributions for all
medical plans will be based upon this plan. (The College’s
premium allowance for this plan, therefore, determines
the premium allowance for the other two plans.) This plan
may be attractive to an employee who wants a plan which
is most similar to the current health plans offered in 2014.
• L
ow Deductible PPO Plan: A PPO plan which offers
richer benefits (lower out-of-pocket expenses), in exchange
for increased monthly premiums. This plan could be
attractive to an employee willing to pay more in premiums
(offered on a pre-tax basis), but who wants to reduce/limit
the employee’s own out-of pocket costs.
• Q
ualified High Deductible Plan w/HSA: A qualified
high deductible health plan (PPO based) which requires
greater member out-of-pocket expense in exchange for
lower monthly premiums. This plan will also feature a
Health Savings Account (HSA) which the College will fund
at 50% for both the individual and family coverage tiers.
A Health Savings Account, or HSA, is an interest bearing
savings vehicle partially funded by the College (50%) and the
employee (if desired), which can be used to pay for qualified
health care expenses not covered in-full by the medical plan,
on a pre-tax basis. If elected, the employee’s contribution
is deposited into this account during the year and used to
4 | open Enrollment 2015
pay for qualified expenses incurred by the member. The
College will make its contribution to this account (50%
of the deductible) at the beginning of the year. Money in
this account, and any interest, is tax-free if used to pay
for qualified medical expenses. It works very much like a
flexible spending account (FSA) with some advantages. In
addition to higher annual contribution limits, the money in
the account is fully owned by the employee, and the balance
can be carried forward into future years without fear of
forfeiture. Note: IRS guidelines prohibit an employee from
participating in a medical FSA account if they are enrolling
in the QHDHP/HSA option.
Note: Maximum HSA contribution limits (employer plus
employee) for 2015 will be $3350 for individual and $6650
for family. Employees age 55 and older may contribute up
to an additional $1000 for 2015.
Impo r tant Remind e r Re g ar d ing
Depend ent Child r en E li gib ilit y fo r 2 015
Under the Health Care Reform legislation (Patient
Protection and Affordable Care Act), all children (natural,
adopted, or step children) under age 26 are considered
“dependent” regardless of their student status, marital status,
and tax filing status. This legislation allows employees
to cover children up to the age of 26, under the College’s
medical (not dental) plans. However, HSA funds can only
be used on dependent children claimed on your tax return.
E LE C TI ON R E Q U IR E D
Fle xib le Spend ing Account s (F SA)
Because of the introduction of new medical plan designs
for 2015, all employees must complete either a Highmark
medical plan enrollment form (if selecting one of the
three medical plan options), OR, a benefits waiver form.
A debit card will be issued to all employees enrolling in the
medical flexible spending account for 2015. All employees
electing to enroll for the 2015 calendar year must complete
a new enrollment form, even if you are currently enrolled in
the program for 2014.
Dental Pl an fo r 2 015
The College is remaining with Blue Cross Dental as its dental
insurance carrier for 2015. While the annual benefit remains
at $1,000, the “rollover benefit” will continue into 2015. With
this rollover feature, employees can rollover up to $500 of
unused dental benefit from 2014 into 2015. The maximum
annual benefit as a result of this rollover feature is $2,000.
A summary of the dental plan benefits can be found
on page 9.
Fle xib le s pend ing Ad mini s tr ato r
Change fo r 2 015
New Flexible Spending Account Administrator
The College has selected Discovery Benefits as its new
flexible spending administrator for 2015. Any “carryover
account balance” (up to $500 in the medical flexible
spending account only) will be transferred to those new
accounts with Discovery Benefits after March 31, 2015.
Note: Employees electing the High Deductible medical plan
option with the HSA funding account are prohibited by IRS
regulations from also enrolling in a medical flexible spending
account for 2015. Employees can elect one account or the
other, not both.
F SA Annual E lec ti on
As a result of health care reform legislation under The
Patient Protection Act, the annual FSA limit for the
medical flexible spending account continues to be $2,500
per employee. The dependent care account maximum
remains at $5,000 per family.
Details regarding the flexible spending account plans
can be found on page 10.
open Enrollment 2015 | 5
Highmark Blue Shield
The Highmark plans are fully insured
PPO plans which locally utilize the
Highmark Blue Shield PPO network
of hospitals and medical providers. A
current listing of local providers can be
accessed online at highmarkblueshield.
com. In addition, if you wish to obtain
medical services from Blue Shield
participating providers outside of the
local area, you may use the BlueCard
Worldwide PPO network. You can
access the BlueCard Worldwide PPO
directory from the Highmark website.
For more information about Highmark
Blue Shield call 1-800-632-5071.
Q HDHP + HSA Advantage s
• Tax savings on contributions made
to the HSA for eligible expenses
• Contributions made by employers
may be excluded from gross
income
• Funds belong to the employee
even after employment terminates
• Funds can be used to cover a
wide range of qualified medical
expenses—including those
incurred by spouse/dependents (as
long as they can be claimed on the
individual’s federal tax return)
• Unused funds in health savings
accounts can rollover from year to
year for future medical needs
• Acts as a savings vehicle for
members nearing retirement age
• Offers lower premiums for
employees
• May use HSA funds for premiums
after retirement
Standard PPO Benefits
Deductible
Individual
Family
In-Network
Out-of-Network
$700
$2,100
$2,000
$6,000
(applies to all services unless a copayment
is applied or otherwise noted)
(applies to all services unless a copayment
is applied or otherwise noted)
15%
85%
45%
55%
$1,350
$4,050
$4,000
$12,000
Individual
Family
$6,600
$13,200
None
Lifetime Maximum
Physician Office Visits
Primary Care
Specialists
Preventive
Unlimited
Unlimited
$15 copay
$25 copay
$0 copay; deductible waived
45% coinsurance after deductible
15% coinsurance after deductible
15% coinsurance after deductible
45% coinsurance after deductible
45% coinsurance after deductible
15% coinsurance after deductible
15% coinsurance after deductible
45% coinsurance after deductible
45% coinsurance after deductible
15% coinsurance after deductible
45% coinsurance after deductible
Covered in full/$100 ER copay (waived
if admitted); deductible waived
15% coinsurance after deductible
Covered in full/$100 ER copay (waived
if admitted); deductible waived
45% coinsurance after deductible
Health Savings Account
Employer Contribution
Individual
Family
Coinsurance (Eligible Charges)
Member Pays
Plan Pays
Medical Out-of-Pocket Max
Individual
Family
True Out-of-Pocket Maximum
(includes deductible, coinsurance,
and copays for Medical and Rx)
45% coinsurance after deductible
(Pediatric/Adult Exams)
Maternity/Newborn Baby Care
Inpatient Hospital Services
(professional fees and facilities)
Surgery & Anesthesia
Outpatient Hospital Services
(professional fees, facilities, lab,
x-ray, radiation therapy, chemo
therapy, anesthesia and surgery)
Radiology Testing/Imaging
(x-rays, MRI, CT, PET)
Emergency Room Services
Hospice Care
Prescription Drugs
N/A
(Express Scripts)
Deductible
Individual
Family
Retail–up to 31-day supply
Generic
Brand Formulary
Brand Non-Formulary
Mail Order–up to 90-day supply
Generic
Brand Formulary
Brand Non-Formulary
Annual Preventive Mammogram
$200
$600
$10 copay
$35 copay
$50 copay
$20 copay
$70 copay
$100 copay
Covered in full; deductible waived
45% coinsurance after deductible
$0 copay; deductible waived
15% coinsurance after deductible
$25 copay
15% coinsurance after deductible
$25 copay
45% coinsurance after deductible
45% coinsurance after deductible
45% coinsurance after deductible
45% coinsurance after deductible
45% coinsurance after deductible
(age 40 and over)
Preventive Gynecological Exam
Mental Health Inpatient Care
Mental Health Outpatient Services
Substance Abuse Care: Inpatient
Substance Abuse Care: Outpatient
6 | open Enrollment 2015
Q High Deductible+HSA
In-Network
Low Deductible PPO
Out-of-Network
In-Network
Out-of-Network
$3,000 - Individual Tier Only
$6,000 - All Other Tiers
$6,000 - Individual Tier Only
$12,000 - All Other Tiers
$300
$900
$1,200
$3,600
(applies to all services unless
otherwise noted)
(applies to all services unless
otherwise noted)
(applies to all services unless a
copayment is applied or otherwise noted)
(applies to all services unless a
copayment is applied or otherwise noted)
20%
80%
50%
50%
10%
90%
25%
75%
N/A
N/A
$10,000
$20,000
$1,200
$3,600
$2,250
$6,750
$5,000
$10,000
$10,00 0
$20,000
None
Unlimited
Unlimited
$6,600
$13,200
Unlimited
20% coinsurance after deductible
50% coinsurance after deductible
25% coinsurance after deductible
$0 copay; deductible waived
50% coinsurance after deductible
$10 copay
$20 copay
$0 copay; deductible waived
20% coinsurance after deductible
20% coinsurance after deductible
50% coinsurance after deductible
50% coinsurance after deductible
10% coinsurance after deductible
10% coinsurance after deductible
25% coinsurance after deductible
25% coinsurance after deductible
20% coinsurance after deductible
20% coinsurance after deductible
50% coinsurance after deductible
50% coinsurance after deductible
10% coinsurance after deductible
10% coinsurance after deductible
25% coinsurance after deductible
25% coinsurance after deductible
20% coinsurance after deductible
50% coinsurance after deductible
10% coinsurance after deductible
25% coinsurance after deductible
20% after network deductible
20% after network deductible
20% coinsurance after deductible
50% coinsurance after deductible
Covered in full/$100 ER copay (waived
if admitted); deductible waived
10% coinsurance after deductible
Covered in full/$100 ER copay (waived
if admitted); deductible waived
25% coinsurance after deductible
$1,500
$3,000
25% coinsurance after deductible
N/A
N/A
Rx Deductibles are Integrated with
Medical Deductibles
Unlimited
$150
$450
$20 copay after deductible
$40 copay after deductible
$50 copay after deductible
$10 copay
$30 copay
$45 copay
$40 copay after deductible
$80 copay after deductible
$100 copay after deductible
Covered in full; deductible waived
50% coinsurance after deductible
$20 copay
$60 copay
$90 copay
Covered in full; deductible waived
25% coinsurance after deductible
$0 copay; deductible waived
20% after deductible
20% after deductible
20% coinsurance after deductible
20% coinsurance after deductible
50% coinsurance after deductible
50% coinsurance after deductible
50% coinsurance after deductible
50% coinsurance after deductible
50% coinsurance after deductible
$0 copay; deductible waived
10% after deductible
$20 copay
10% after deductible
$20 copay
25% coinsurance after deductible
25% coinsurance after deductible
25% coinsurance after deductible
25% coinsurance after deductible
25% coinsurance after deductible
MyCare
Navigator
SM
THE 24/7 DEDICATED CARE ADVOCATE YOU AND
YOUR EMPLOYEES NEED...AND DESERVE
Navigating the health care system shouldn’t be like walking
through a maze, getting caught in endless twists, turns and
dead ends. It shouldn’t take multiple phone calls and tons of
paperwork for patients to get the care services they need.
It should be a lot quicker and easier.
Now it is! Highmark members and their families (including
spouses, parents, parents-in-law and dependent children)
now have a built-in guide who navigates the ins and outs
of the health system for them. Getting their care questions
answered and problems solved is as easy as dialing
1-888-BLUE-428.
And this free service is available any time of the day,
any day of the week.
INSTANT ACCESS TO BROAD SUPPORT
Do your employees need help finding a doctor….
coordinating their care…understanding their care options…
locating helpful services... handling provider billing issues?
With myCare Navigator, they get a dedicated health advocate
who addresses and resolves these and other care issues. This
patient advocate service is available to Highmark members
and their family, free of charge and free of hassles!
Encourage your employees to get the help they need to
navigate the health care system easily and effectively!
ONE NUMBER fOR ALL YOUR ANSwERS!
CALL 1-888-BLUE-428
THROUGH myCARE NAVIGATOR, YOUR EMPLOYEES CAN:
• Find the right care provider
• Share their medical records
• Get appropriate care services
• Make informed care decisions
• Locate helpful services
• Understand their care costs
• Get maximum value from their health coverage!
highmarkBlueshield.com
Blue Cross Dental Plan Option
The Blue Cross Dental plan focuses on the importance of
regular and preventive dental care. The plan is administered
by Capital BlueCross.
The plan provides members significant savings by receiving
services from participating dental providers, and also allows
members to receive services from non-participating providers
of their choice with insurance reimbursements based on the
contracted allowances.
The Blue Cross Dental plan provides coverage for the full
range of dental care needs, such as routine preventive and
diagnostic, basic and major restorative, and orthodontic
services. The plan utilizes the national Blue Cross network
of dental providers. You can locate a participating dentist at
their website: www.capbluecross.com.
When using a participating (in-network) dentist for
diagnostic and preventive care, eligible services are covered
at 100%. When you receive basic restorative, major
Diagnostic and Preventive
restorative, or orthodontic services, you are responsible for
the coinsurance amounts of 20%, 50%, and 50% respectively.
If you use an out-of-network dentist, the plan pays the same
set allowance for the particular dental service as it does for a
participating dentist. You are responsible for the coinsurance
amount plus the difference between the out-of-network
dentist’s actual charges and the Blue Cross Dental established
allowance.
There is no deductible applicable under this plan. Although
the annual dental benefit amount per person, per plan
year, is $1,000, the plan allows for a rollover benefit of
up to $500 of unused dental benefit from one year to the
next, for a maximum annual benefit of $2,000 per person.
Under the Blue Cross Dental plan, services covered under
the “preventive and diagnostic” category (100%) are not
counted towards the annual $1,000 benefit amount. The
lifetime maximum benefit amount for a child’s (up to age 19)
orthodontic care is $1,000.
Basic Restorative
Major Restorative
Orthodontia
Covered at 100%
Covered at 80%
Covered at 50%
Covered at 50%
Routine Exams
(one every six months)
Basic Restorations
Inlays
Diagnostic
Endodontics
Onlays
Active Treatment
Cleanings (one every six months)
Denture Repairs
X-rays
Simple Extractions
Crowns (one per tooth
in five years)
(Covers children to age 19)
Bitewings (one set of four
every six months)
Anesthesia
Prosthetics (one per tooth in five years)
Full mouth (one every three years)
Specialist
Consultations
Pontics
Fluoride Treatments (one every
six months till age 19)
Non-Surgical
Periodontics
Sealants (one tooth every three years;
permanent first molars to age 10;
permanent second molars to age 15)
Oral Surgery
Retention Treatment
$1,000 lifetime
maximum per patient
Surgical Periodontics
Palliative Emergency Treatment
For more information about BlueCross Dental Plus call 1-800-962-2242 or visit their web site: www.capbluecross.com
open Enrollment 2015 | 9
Lafayette College Medical/Dental Insurance Premium Rates
Monthly Payr oll De d uc ti ons fo r Ac tive Employee s
Beginning January 2015
MONTHLY
TOTAL PREMIUM Actives
COLLEGE CONTRIBUTION*
EMPLOYEE CONTRIBUTION
Individual
$555.00
$499.50
$55.50
Employee plus
Spouse/Partner
$1,523.97
$1,021.26
$502.71
Parent/Child
$1,296.75
$1,019.25
$277.50
Highmark Standard PPO
Parent/Children
$1,363.26
$1,067.41
$295.85
Family
$1,590.46
$1,068.36
$522.10
Highmark Qualified High Deductible/HSA
Individual
$527.84
$499.50
$28.34
Employee plus
Spouse/Partner
$1,357.81
$1,021.26
$336.55
Parent/Child
$1,192.65
$1,019.25
$173.40
Parent/Children
$1,240.99
$1,067.41
$173.58
Family
$1,406.15
$1,068.36
$337.79
Highmark Low Deductible PPO
$599.30
$499.50
$99.80
Employee plus
Spouse/Partner
$1,648.09
$1,021.26
$626.83
Parent/Child
$1,402.37
$1,019.25
$383.12
Individual
Parent/Children
$1,474.28
$1,067.41
$406.87
Family
$1,720.00
$1,068.36
$651.64
$39.20
--
$39.20
Capital Blue Cross Dental
Individual
2-Party
$78.39
--
$78.39
Family
$101.37
--
$101.37
* The college contributions shown for the High Deductible/HSA plan does include the annual HSA contribution of $1500 for individual and $3000 for family.
Flexible Spending Accounts (FSAs)
For 2015, the new administrator for the flexible spending
account program will be Discovery Benefits. A Debit Card will
be issued to all members enrolling in the medical FSA for 2015.
This program allows employees to save money on a pre-tax basis
to pay for unreimbursed qualified health/medical care expenses
and certain dependent care expenses. Reimbursements are, in
essence, the employee’s own money paid back tax-free. The plan
year is from January 1 through December 31.
Note: Employees may carryover up to $500 of unused
benefit in their 2014 medical flexible spending account into
the 2015 plan year. The carryover amount then may be used
during that entire following plan year to pay for or reimburse
qualified medical/health care expenses. (The carryover
allowance does not apply to dependent care accounts.)
10 | open Enrollment 2015
The annual flexible spending account contribution maximum
for 2015, remains at $2,500. However, because of the carryover
rule change, a participant may be able to contribute $2,500 in
2015, plus up to $500 of unused carryover funds from 2014, for
a total available amount of $3,000 for 2015.
In this account, you save a portion of your pay with pre-tax
dollars, thereby reducing your federal income tax burden.
Specifically, the plan allows you to contribute your own
money, before federal income tax, Social Security tax, and
state tax (exceptions apply) to accounts, which will then be
used to reimburse you for qualified out-of-pocket medical or
dependent care costs. Visit www.discoverybenefits.com.
Flexible spending accounts operate on a calendar year basis.
If you wish to participate in 2015, you will need to complete
the FSA enrollment form for the medical flexible spending
account and/or the dependent care flexible spending account.
�. Dependent care: You may have money deducted from
your pay on a pre-tax basis to cover costs for dependent
care. The maximum limit for the calendar year is
$5,000. You save money by paying for these expenses
with pre-tax dollars.
�. Medical/Health care: You may have money deducted
from your pay on a pre-tax basis to cover qualified medical
expenses that are not covered by your medical, dental, or
vision insurance. The maximum contribution limit for
the 2015 calendar year is $2,500. You save money by
paying for these expenses with pre-tax dollars.
Reminder: Because of the healthcare reform legislation, you
may utilize funds in your medical flexible spending account to
pay for qualified medical expenses for dependents to age 26.
Optional/Supplemental Life Insurance
The College continues to offer optional/supplemental life
insurance through Sun Life Financial, which provides
additional life insurance for employees over and above the
non-contributory (free) coverage already provided by the
College. Eligible employees are able to buy, or increase, their
supplemental life coverage in increments of $10,000, up to 5
times their annual salary, not to exceed $500,000. Employees
who are currently enrolled in optional life (at any amount)
would be eligible to increase their optional life insurance
coverage by up to an additional $20,000, without evidence of
insurability, during this and future open enrollment periods.
Premiums, which are determined by the amount of the
insurance taken and the age of the employee based on agebanded rates, are fully paid by the employee. If you wish to
make any changes to your current level of supplemental/
optional life insurance, please complete the optional life
enrollment form. If required for underwriting purposes,
you will be sent a personal health application from the Office
of Human Resources, once you complete and return the
enrollment form.
If you wish to participate for 2015, you must complete
and sign the Discovery Benefits flexible spending
enrollment form.
Additional Information
IMPORTANT: Remember that you should fund the flex
accounts only for eligible expenses that you expect to incur
in 2015.
If there are any questions regarding the information
contained in the booklet, or any questions related to the
use of Employee Self-Service, please contact the Office of
Human Resources at (610) 330-5060.
open Enrollment 2015 | 11
All Open Enrollment forms and related information can be
accessed via the Human Resources website: hr.lafayette.edu.
Open Enrollment Informational Meetings
• Benefits Fair, Thursday, October 30, 2014,
10:30 a.m. to 3 p.m., Marlo Room, Farinon
• Monday, November 3, 2014, 11 a.m., Oechsle 224
• Monday, November 3, 2014, 5 p.m., Limberg Theater
• Wednesday, November 5, 2014, 12 p.m., Hugel 100
• Monday, November 10, 2014, 2 p.m., Hugel 100
• Thursday, November 13, 2014, 11 a.m., Hugel 100
• Monday, November 17, 2014, 3 p.m., Oechsle 224
Office of Human Resources
12 Markle Hall • Easton, PA 18042
(610) 330-5060 • Fax (610) 330-5720
hr.lafayette.edu